Summary
HOLDINGEST is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €73k and a net result of €7k. Equity is growing by ~4.7% per year across the filed fiscal years. Its solvency ranks better than 95% of 2777 sector peers (fiscal year 2024). The company has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 17-06-2025, 44 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
44 d early
2023
19 d late
2022
21 d early
2021
31 d late
2020
30 d late
2019
118 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, full schema
Equity
€73k▲ 10.9%
2023 · €66k
2018: €52k
2019: €56k
2020: €56k
2021: €58k
2022: €60k
2023: €66k
2018 → 2024
Net result
€7k▲ 25.2%
2023 · €6k
2018: €-2k
2019: €3k
2020: €785
2021: €1k
2022: €2k
2023: €6k
2018 → 2024
Total assets
€73k▲ 10.9%
2023 · €66k
2018: €53k
2019: €56k
2020: €57k
2021: €58k
2022: €61k
2023: €66k
2018 → 2024
Solvency
100.0%=
2023 · 100.0%
2018: 99.1%
2019: 99.1%
2020: 98.2%
2021: 99.1%
2022: 98.7%
2023: 100.0%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€56k-€58k▲ 2.4%€60k▲ 4.2%€66k▲ 9.5%€73k▲ 10.9%
Operating result€835-€1k▲ 19.8%€841▼ 15.9%€4k▲ 384%€5k▲ 33.9%
Net result€785-€1k▲ 73.8%€2k▲ 78.6%€6k▲ 135%€7k▲ 25.2%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 34% above 2023 and is the highest result in the available series.
Key figures and ratios
ROE
9.8%▲
2023 · 8.7%
ROA
9.8%▲
2023 · 8.7%
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 24 lines
Balance sheet
Code20232024
Assets
Total assets20/58€66k€73k▲
Current assets29/58€66k€73k▲
Amounts receivable within one year40/41€62k€64k▲
Trade receivables40€8k€8k▲
Other amounts receivable41€54k€56k▲
Cash at bank and in hand54/58€4k€9k▲
Equity and liabilities
Total equity and liabilities10/49€66k€73k▲
Equity10/15€66k€73k▲
Contributions10/11€70k€70k=
Capital10€70k€70k=
Issued capital100€70k€70k=
Profit (loss) carried forward14€-4k€3k▲
Income statement
Code20232024
Other operating charges640/8€500-
Gross operating margin9900€5k€5k▲
Operating profit (loss)9901€4k€5k▲
Financial income75/76B€2k€2k▲
Recurring financial income75€2k€2k▲
Financial charges65/66B€184€190▲
Recurring financial charges65€184€190▲
Profit (loss) for the period before taxes9903€6k€7k▲
Profit (loss) for the period9904€6k€7k▲
Profit (loss) for the period to be appropriated9905€6k€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-4k€3k▲
Profit (loss) brought forward from the previous period14P€-10k€-4k▲
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2018net €7k ▲25.2%
Operating result €5k, net result €7k, both a record.
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 19 days late
2023
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
31-12
Financial
Liquidity doublescurrent ratio 113.64
Current ratio from 56.38 to 113.64; short-term debt falls from €1k to €512.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
26-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 118 days late
2019
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
2016
05-10
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 66 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Courcelles · 1 establishment unit since 2009
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue de Trazegnies(CO) 1246180 CourcellesGround area
254 m²
Building footprint
142 m²
Volume, LiDAR
976 m³
Parcel 52322A0218/00E000, Wallonia · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue de Trazegnies(CO) 124, 6180 Courcelles
since 20092.180.306.216
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52322A0218/00E000 | Wallonia | 254 m² | 1 · 142 m² | 8.6 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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LVR
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 11,514 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded09-06-2009
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.